Disclosure

First American Bank
Elk Grove
1660 Louis Ave
Elk Grove, IL 60007

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

Interest Rates and Annual Percentage Yields are current as of April 18, 2014.   For current rate information call (847) 952-3700.

eSpirit Checking


Limitations: The minimum balance to open this account is $100.00.

Account Fees:
Three Tier Transaction Pricing
Tier 1
0 - 250 free transactions*
    Minimum balance to waive maintenance fee $0.00
    Account maintenance fee $0.00
Tier 2
251 - 400 free transactions*
    Minimum balance to waive maintenance fee $10,000.00
    Account maintenance fee $22.50
Tier 3
More than 400 transactions*
    Each transaction over 400 $.50
    Minimum balance to waive maintenance fee None
    Account maintenance fee $22.50

Transactions Included

Deposits

ATM Deposit

Items Deposited

Checks Paid

Tran$action BusinessCard PIN Debit**

Incoming/Outgoing ACH

Night Drop Deposits

Coin (per roll)

Currency Purchases (per bill)

Currency Deposited (per $100)



* If the number of transactions exceed 400 in any given month, an excess transaction fee of $0.50 will be applied to each transaction over 400, regardless of balance level. In addition the$22.50 maintenance fee will apply. See Business Account Fee schedule for other fees which may apply.
**Tran$action BusinessCard PIN Debit Free - Transactions with a debit card which require a signature.

Refer to the Business Account Fee Schedule for additional fee information.

Additional Benefits
    Free Tran$action BusinessCard
    Free Signature Debits on Tran$action BusinessCard
    Free Online Banking
    Free Bill payment (first 20 transactions, no monthly fee)
    Free eStatements
    Plus no application fee when you sign up for merchant services
    $50 discount on the first order of business style checks
    $10 discount on business style deposit tickets

05/08